Saturday, March 3, 2012

T1s and T2s will now be getting health insurance

Do you have a medication condition which hinders you from
getting a health insurance? Let’s say, you have diabetes? Good News! Now,
there’s a temporary federal program which allows those who are hit by an illness to buy
an individual insurance for at least, the next few years.

For many years, type 1 diabetes has been referred to as an
automatic denial condition by the health insurance industry. It was impossible for T1s to but individual
health insurance in many states even for any amount of money. In some states
where you could, the insurance company providing you this would legally include
a rider denying coverage on anything which relates to your diabetes. Yes! You can
get health insurance except for diabetes. And worse, they can legally charge you for more.

For those who have type 2s which require insulin, they also had
difficulty in finding an individual insurance which was either too expensive or simply
unavailable. This also goes to those who have cancer, AIDS, and asthma. It’s ironic
how these companies wouldn’t sell insurance just when you need it the most.

Hopefully, by 2014, this institutionalized
prejudice will be outlawed as the 974-page Affordable Care Act will fully roll
out. Assuming that the health insurance reform law surpasses legal challenges
and repeal threats, everyone will be required to buy health insurance for their
own. Insurance companies will also not be allowed to deny coverage.

But since 2014 will still come after two years,
the on-process Affordable Care Act has created a program called the
Pre-Existing Condition Insurance Plan (PCIP). The program will allow people who
were locked out from the market to get coverage NOW rather than on 2014.

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